Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$140,475Cash toward the purchase price.
Closing costs + prepaids$8,836Not just lender fees.
Before credits & paid funds$149,311The complete starting cash picture.
Estimated remaining funds due at closing
$149,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,474.72
Your down payment$140,474.72
Closing costs + prepaids$8,835.85
Total buyer cash needed$149,310.56
Remaining funds due$149,310.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$128.25
Prepaid interest, first (31 days)$232.60
Fees + prepaids$8,835.85
Your down payment is the seller’s equity. You take over the $84,525 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $149,310.56 is due at closing. Uses and sources reconcile at $233,835.85 each. Not a Closing Disclosure.